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just received an message back from Starling about opening a Sole Trader business account with them if it would affect me getting a mortgage - they said
" We perform a 'soft' credit
check when you apply for an account. A soft credit involves a request for
information from credit reference agencies. You might see this check on your
credit file, but it won’t be visible to other financial services companies or affect
your credit score. " but could not comment on if it would affect me getting mortgage.
Is a soft check ok as I would rather pay the natwest fees that have it affect my mortgage application .
"A
soft credit check is an initial look at certain information on your
credit report. Companies perform soft searches to decide how successful
your application would be without conducting a full examination of your
credit history.
Crucially, soft searches aren’t
visible to companies – so they have no impact on your credit score or
any future credit applications you might make. Only you can see them on
your report and it doesn’t matter how many there are."
